Research coverage — 8/16 categories
IDFC FIRST
FIRST SWYP Credit Card
Best forNot enough verified categories yet
EarnsSee reward categories below
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Not recorded
IDFC FIRST
FIRST SWYP Credit Card
How you earn
Reward rates at a glance — exactly as recorded for this card.
No earning category has been verified yet — see the category table for the current status of each.
All 16 reward categories · 8 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not a good fit | — | Rent payments incur a 1% fee (min ₹249 + GST)Details
|
| Education | Not a good fit | — | Education spends excluded from milestone programDetails
|
| Insurance | — | — | Research pendingDetails
|
| Utilities | No reward | — | —Details
|
| Fuel | No reward | — | —Details
|
| Groceries | Varies | — | Depends on how the transaction is processedDetails
|
| Dining | Varies | — | Depends on how the transaction is processedDetails
|
| Food Delivery | Varies | — | Depends on how the transaction is processedDetails
|
| Shopping | Varies | — | Depends on how the transaction is processedDetails
|
| Travel | Varies | — | Depends on how the transaction is processedDetails
|
| Government | Not a good fit | — | Government and tax transactions (MCC 9311, 9399) do not accrue rewards and are excluded from milestone spend calculationDetails
|
| Wallet | Not a good fit | — | Wallet load transactions (MCC 6540) do not accrue rewards and are excluded from milestone spend calculationDetails
|
| Railways | No reward | — | —Details
|
| FASTag | No reward | — | —Details
|
| Jewellery | Varies | — | Depends on how the transaction is processedDetails
|
| Telecom | Varies | — | Depends on how the transaction is processedDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Spending thresholds
- Spend ₹5,000 per month → 200 Reward Points (worth ₹50 at ₹0.25/RP) on monthly statement spend exceeding ₹5,000
- Spend ₹10,000 per month → 500 Reward Points total (worth ₹125 at ₹0.25/RP) on monthly statement spend exceeding ₹10,000
- Spend ₹15,000 per month → 1,000 Reward Points total (worth ₹250 at ₹0.25/RP) on monthly statement spend exceeding ₹15,000
- Spend ₹30,000 per month → 2,000 Reward Points total (worth ₹500 at ₹0.25/RP) on monthly statement spend exceeding ₹30,000
- Spend ₹60,000 per month → 4,000 Reward Points total (worth ₹1,000 at ₹0.25/RP) on monthly statement spend exceeding ₹60,000
Key benefits
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹200 and ₹5,000 subject to monthly cap
Milestone benefit
200 Reward Points (worth ₹50 at ₹0.25/RP) on monthly statement spend exceeding ₹5,000
Milestone benefit
500 Reward Points total (worth ₹125 at ₹0.25/RP) on monthly statement spend exceeding ₹10,000
Important to know
Limits and exclusions that change what you earn.
- No reward on: Utilities, Fuel, Railways, FASTag
- Not recommended for: Rent, Education, Government, Wallet
- Spend ₹5,000 per month → 200 Reward Points (worth ₹50 at ₹0.25/RP) on monthly statement spend exceeding ₹5,000
- Research pending: Insurance — not counted
Who should consider this card
✓ Good fit if
△ Less useful if
- Much of your spending is in rent, education, utilities, which earn nothing
- You do not want to pay an annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 8 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Rent — Not a good fit. Rent payments incur a 1% fee (min ₹249 + GST).
- Education — Not a good fit. Education spends excluded from milestone program.
- Utilities — No reward.
- Fuel — No reward.
- Government — Not a good fit. Government and tax transactions (MCC 9311, 9399) do not accrue rewards and are excluded from milestone spend calculation.
- Wallet — Not a good fit. Wallet load transactions (MCC 6540) do not accrue rewards and are excluded from milestone spend calculation.
- Railways — No reward.
- FASTag — No reward.
Milestones · 5 recorded
- Spend ₹5,000 per month — 200 Reward Points (worth ₹50 at ₹0.25/RP) on monthly statement spend exceeding ₹5,000.
- Spend ₹10,000 per month — 500 Reward Points total (worth ₹125 at ₹0.25/RP) on monthly statement spend exceeding ₹10,000.
- Spend ₹15,000 per month — 1,000 Reward Points total (worth ₹250 at ₹0.25/RP) on monthly statement spend exceeding ₹15,000.
- Spend ₹30,000 per month — 2,000 Reward Points total (worth ₹500 at ₹0.25/RP) on monthly statement spend exceeding ₹30,000.
- Spend ₹60,000 per month — 4,000 Reward Points total (worth ₹1,000 at ₹0.25/RP) on monthly statement spend exceeding ₹60,000.
Eligibility
Subject to IDFC FIRST's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000 subject to monthly cap. GST is not waived.
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 11 areas
11 areas need further verification. None of these are counted as zero.
- • Insurance — research pending
- • Groceries — depends on how the transaction is processed
- • Dining — depends on how the transaction is processed
- • Food Delivery — depends on how the transaction is processed
- • Shopping — depends on how the transaction is processed
- • Travel — depends on how the transaction is processed
- • Jewellery — depends on how the transaction is processed
- • Telecom — depends on how the transaction is processed
- • Lounge benefit — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-28
Verification coverage: 8 of 16 categories verified · 8 still being verified
Card record last checked: 2026-09-28
Documents used